Protect Your Business —
Specialized Coverage for Contractors and More
Your business is your livelihood — let us help protect it. From general liability to contractor licensing insurance & bonds, we provide coverage for contractors and all types of businesses, big or small.
Contractor Insurance & Bonds — Protect Your Business
Contractor Insurance & Bonds — Instant Quotes, Instant Coverage!
✅ Fast Online Quotes
✅ Instant Proof of Insurance
✅ Bonds Available Online
JC Family Ins.
Instant Contractor Bond-Fast & Simple
🕐 Step 1: Click to Launch the Bond Rater
🛠️ Step 2: Select the Bond You Need
📝 Step 3: Enter Basic Info & Get Your Quote
💳 Step 4: Pay for Your Bond Online
📧 Step 5: Bond is Emailed to You Instantly
✔ No Waiting | ✔ Set Rates | ✔ Competitive Pricing
Our Expertise
At JC Family Insurance, we believe that peace of mind starts with the right coverage. As a dedicated, family-owned insurance brokerage, we specialize in helping individuals, families, and businesses find tailored insurance solutions that fit their unique needs. Whether you're protecting your home, car, life, or business, our team brings decades of combined experience and a personal touch to every policy we recommend. Our mission is to simplify insurance, provide honest guidance, and be there when it matters most—like family should.
Our Services
Tailored Insurance Solutions For Small Businesses.
General Liability Insurance
General Liability Insurance provides crucial protection for businesses by covering legal expenses and damages in case of third-party claims related to property damage, bodily injury, or personal injury caused by business operations.
Commercial Property Insurance
Commercial Property Insurance safeguards businesses against financial losses resulting from damage or loss of physical assets like buildings, equipment, inventory, or other property due to covered perils such as fire, theft, or vandalism.
Workers Compensation Insurance
Workers' comp insurance covers medical expenses and a portion of lost wages for employees who are injured or become ill due to their job. It's a state-mandated insurance in most cases, and requirements vary depending on where your business operates.
Professional Liability Insurance
Business Interruption Insurance provides financial protection to businesses during unforeseen events that disrupt their operations, covering lost income and expenses to help them recover and continue operating smoothly.
Surety Bonds
Surety Bonds
Surety Bonds
A surety bond is a three-party agreement that guarantees a specific obligation will be fulfilled. It’s not insurance—it’s more like a line of credit with a safety net.
Types of Surety Bonds in Construction Include-
1. Licensing
A Contractor License Surety Bond Statement of Truth is typically a declaration or affirmation made by the contractor (the bond applicant) when applying for a contractor license bond. This statement confirms that the contractor agrees to follow the laws and regulations of the state or licensing authority—and that the bond will be used to cover valid claims resulting from unlawful or unethical business practices.
2. Bid Bond
Used during the bidding process.Guarantees that the contractor will enter into the contract and provide performance/payment bonds if awarded.Protects the owner if the winning bidder backs out.
3. Performance Bond
Used after a contract is awarded.Guarantees that the contractor will complete the project according to the terms and conditions.If they default, the surety pays to complete the project.
4. Payment Bond
Ensures that subcontractors, laborers, and suppliers are paid.Protects against liens or lawsuits if the general contractor fails to pay their team.
5. Maintenance Bond (or Warranty Bond)
Covers repairs or defects found after project completion.Typically lasts 1–2 years after the job is done.
Testimonials
Common questions answered
Answers to Frequently Asked Questions
What types of businesses do you cover?
We cover a wide range of businesses—from sole proprietors and startups to established companies across industries like retail, construction, professional services, hospitality, and more. Whether you’re a freelancer or run a growing business with multiple employees, we can tailor coverage to fit your needs.
Can I get insurance for a new or recently launched business?
Absolutely. We work with new businesses all the time and can help you get the right coverage in place from day one.
How can I determine the right coverage for my business?
The right coverage depends on your industry, business size, location, and the specific risks you face. Start by identifying what you need to protect—such as property, employees, or client data—and then speak with one of our insurance advisors for a personalized assessment.
Do you offer help choosing the right policy?
Yes, we offer free consultations to help you understand your options. Our experts will walk you through risk factors and recommend coverage that fits your business and budget.
Do you provide ongoing support and policy updates?
Definitely. We know your needs can change over time, so our policies are designed to scale with your business. You can update your coverage as you add employees, locations, or new services.
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